No easy solution other than implementing your own customer identity verification as payment prerequisite. Some platforms allow to do it, however end user experience has a lot of friction. User will get additional pop up with a bank login, where they enter/MFA through and select bank accounts to verify their card against.
Open Banking is the long term solution here. There are countries with relatively advanced legislation on that manner, so depending where you operate you might have full flow in the background through banks API (the only thing you need to capture is end user email for account/ID verification).
I had similar experience to OP. After 5 years and 20k USD spent for scattered pieces from various expensive specialists, I finally got diagnosed with AS at 27. This is not about aging at all. The disease (or disorder) doesn't have any known treatment, it only can be slowed down with expensive meds. The diagnosis is very tricky because the destructive effect - ossification of joints - happens slowly and mostly invisible on any type of modern (and expensive) imagery.
"'He had a samurai sword stuck to his back with about a foot of it sticking out in front, his face cut up all over,' said his friend Patrick McMillan."
Open Banking is the long term solution here. There are countries with relatively advanced legislation on that manner, so depending where you operate you might have full flow in the background through banks API (the only thing you need to capture is end user email for account/ID verification).